Empowering Rural &
Semi-Urban
Entrepreneurs with Smart Finance
Samrddhi Micro Services Assocation provides small, collateral-free loans to micro-entrepreneurs, shopkeepers, women borrowers, and self-employed individuals who lack access to formal credit.
ABOUT US
Bringing Formal Credit to
Grassroots Entrepreneurs
Samrddhi Micro Services Assocation is a startup microfinance company dedicated to empowering underserved communities in rural and semi-urban India. We provide small, collateral-free loans to micro-entrepreneurs, small shopkeepers, vendors, women borrower
Our structured approach focuses on genuine borrower identification, disciplined EMI collection, and financial responsibility — supporting grassroots entrepreneurship through accessible, responsible, and recovery-focused microfinance services.
Trust-Based Lending
Local relationships at the core of every loan decision.
Secure Transactions
Fully documented, KYC-compliant lending.
Flexible EMI Plans
Repayment matched to your income cycle.
Transparent Process
Zero hidden fees — clear terms from day one.
WHAT WE OFFER
Financial Services for
Every Entrepreneur
From micro-loans to MSME finance, we have purpose-built products for underserved borrowers across rural and semi-urban India.
Business Micro-Loans
Small-ticket loans for shopkeepers and micro-entrepreneurs to expand their operations.
Agricultural Finance
Working capital support for farmers and cottage industry workers with seasonal income.
Women Entrepreneur Loans
Dedicated finance for women-led home-based businesses and self-employed women.
MSME Finance
Structured loans for small and medium enterprises seeking business growth capital.
Stock Purchase Loans
Quick finance to purchase inventory, raw materials, and trading stock.
Working Capital Finance
Revolving credit for daily-income earners and micro traders to manage cash flow.
Repeat Borrower Program
Higher loan amounts and priority processing for reliable borrowers with good EMI history.
First-Time Borrower Loans
Entry-level microfinance for individuals with no formal credit history, backed by field verification.
Vendor & Street Trader Loans
Small, fast-disbursement loans for vendors and street-side businesses.
Artisan Finance
Loans for skilled artisans and cottage industries to invest in tools and production capacity.
Group Lending (Coming Soon)
Self-help group-based lending to leverage community trust and improve recovery rates.
EMI Restructuring
Flexible repayment restructuring for borrowers facing temporary cash flow challenges.
From Application
to Disbursement
Our 7-step process is designed for speed, trust, and responsible recovery — serving real borrowers in real markets.
WHO WE SERVE
Our Target Borrowers
We serve the entrepreneurs that formal banks have overlooked — the backbone of rural and semi-urban India.
Small Shopkeepers
Farmers & Artisans
Women Entrepreneurs
Street Vendors
Self-Employed
Home-Based Business
Micro Traders
Cottage Industries
Daily-Income Earners
Construction Workers
Food & Hospitality
Rural Enterprises
SUCCESS STORIES
Voices of Our Borrowers
Real entrepreneurs, real growth — supported by Samrddhi's accessible microfinance.
FAQ
Common Questions
Everything you need to know before applying for a Samrddhi micro-loan.
Do I need collateral to get a loan?
No. Samrddhi provides fully collateral-free loans. We assess your eligibility through field verification of your business activity, income, and repayment capacity — not through property or guarantors.
How long does loan approval take?
After field verification and document submission, approvals are typically completed within a few working days. Our goal is to ensure funds reach you when your business actually needs them.
What documents are required?
Basic KYC documents such as Aadhaar card and a photograph are the primary requirements. Our field officers guide first-time borrowers through the documentation process step by step.
Can women entrepreneurs apply?
Absolutely. Women borrowers, home-based businesses, and women-led enterprises are among our priority segments. We have dedicated support to ensure women feel comfortable throughout the application process.
What if I have no credit history?
We specifically serve first-time borrowers with no formal credit history. Our evaluation is based on real business observation, not bank statements or credit scores.
How are EMIs collected?
Our field officers visit borrowers at their place of business for monthly collections. All payments are recorded digitally and receipts are provided. We structure EMI amounts to match your income cycle.
Where is Samrddhi currently operating?
Yes. Reliable borrowers with a good repayment track record are eligible for repeat loans — often at higher amounts and with faster processing. Building a repayment history with us opens doors to greater financial support.
GET IN TOUCH
Apply for a Loan Today
Everything you need to know before applying for a Samrddhi micro-loan.
PHONE
9415874906
rajeshsinghrawal42@gmail.com
BUSINESS HOURS
Monday – Saturday
9:00 AM – 6:00 PM
OFFICE
Main Road, Shiva Park, Renukoot
Sonebhadra, Uttar Pradesh – 231217
Rajesh Singh Rawal
Founder & Director
Field operations, borrower identification & customer recovery
Anjali Srivastava
Director
Operations, documentation & EMI tracking